usaa federal savings bank USAA Check fraud on youth account and held responsible for over $600.00 of NSF San Antonio Texas

 Please read the email below from investigators and detectives. I was not a part of the fraud against my daughter's account and I should not be held liable. I have done everything in my power as the bank told me to with filing charges and a report. I am a active duty Soldier and cannot have my security clearance compromised from her actions. The police and investigators know that I am the victim they also recognized my daughter as the victim. The withdrawls after the deposits were done by the offender, not by us.

-----Original Message-----

From: Ammerman, Tom [mailto:tammerman@bankcnb.com]

Sent: Wednesday, June 04, 2014 1:11 PM

To: Elliott, Tonya Lolita SFC USARMY NG NGB (US)

Subject: Beatty Restaurant Counterfeit Check

Ms. Elliott:

As per our discussion this morning, attached is a copy of the counterfeit check that was payable to your daughter. This check was one of more than 25

counterfeit checks that we are aware of drawn on our customer's account.

From what we have seen, these checks appear to be part of a "Card Cracking" operation in the Maryland/Virginia area. We believe that the counterfeit

checks, which have a number of different payees and several fake addresses,were deposited into victims accounts using counterfeit ATM cards which were

also used to withdraw money from the accounts shortly after the deposits were made.

A number of these checks were also found in the parking lot of a post office and turned in to the Bladensburg Police Department in Bladensburg Maryland.

If I can be of further assistance, please let me know.

Thank You,  

Tom Ammerman, CAMS, CCBSO

 AVP, BSA/Security Officer

 CNB Bank/ERIEBANK/FCBank

 Direct Dial 814-290-5807



You can also contact the lead detective in this case

Detective G. Gleason #1131

Arlington County Police Department

Financial Crimes Unit

1425 North Courthouse Road-8th Floor

Arlington, Virginia 22201

Desk (703) 228-4190   Fax (703) 228-4128

Email: GGleas@ArlingtonVA.US

Looks like your report is incomplete. I don't work for USAA or any bank or credit union, but from your post it looks like a check was deposited by your daughter into her account and the check didn't clear. It also looks like funds were spent or withdrawn from her account based on the deposit that did not clear. It also looks like she didn't have other clear funds to cover the amount withdrawn by your daughter.

The bank can only hold you responsible if you are associated with her account in some way such as a joint account holder. Credit unions use cross collateralization to attach funds from any and all associated accounts. Check your terms and conditions of the affected account to verify. Is your daughter a minor? If so, then she would have needed you to be on the account with her when she opened it and that is how they are making you responsible for her overdrafts.

As to reporting it to the police, was the check she deposited one of those scam checks where someone offers to pay more for an item, but the check they send is a phoney check? Or one of those bogus job payment checks? Or bogus shopping scams? There are lots of scams involving fake checks.  If it involves a phoney/scam check, that is why you are being asked to report it to the police. File a fraud report against the scammer that sent out the bogus check. Your daughter should never have deposited the check but since she is a minor it is possible she was not aware that this scam exists. This is not USAA's fault. Ultimately the fault belongs to your daughter because she spent funds that were not available on a check she deposited. This is a good lesson for her to learn early in life - but a hard lesson.

As to getting a copy of the investigation, I agree. If you are being held responsible for the acts of your daughter then you should have access to the results of the investigation.

Do report the incident to the police. Then explain to your daughter what happened so she learns from this event. There are lots of ways to get scammed. Go to FTC(dot)gov and look up consumer scams. The one your daughter was subject to is one of the more popular scams around. Good luck.